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The Following Items are Required to Underwrite a Full Documentation (FD) Loan Application. Allows for the Highest Loan-to Value (LTV) & has the Lowest Rate. Your Social Security number Current pay stubs or, if self employed, your tax returns for the past two years Bank statements for the past two months Investment account statements for the past two months Life insurance policy Retirement account statements for the past two months Make and model of vehicles you own and their resale value Credit card account information Auto loan account information Value of other assets: Art; Antiques; Collectibles; Household Furnishings; Recreational Vehicles; Pleasure Craft; Etc. Personal loan account information Mortgage account information on all properties owned Total amount of properties owned Annual property taxes Home Owner Association dues Amount of rental income Home insurance policy information Home equity account information
Stated Income - Verified Assets (SIVA) Loan Application is still available at a lower LTV than FD. (Mid-Rate) Stated Income - Stated Assets (SISA) Loan Application is still available at a lower LTV than SIVA. (Highest Rate) Below are websites for careers and earnings. Underwriters use these sites to check if stated income appears reasonable.
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Select a loan application: |
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